Free Articles  >>  Business And Finance >>  Page 2190  >> 

A Christmas Card Scrooge or Santa The Best and the Worst Credit and Debit Card Deals

A Christmas Card: Scrooge or Santa? The Best and the Worst Credit and Debit Card Deals It's official: the Christmas shopping season 2010 is about to start. Halloween and Bonfire Night are well and truly over. Jack O'Lantern carved pumpkins have gone mouldy and been consigned to the compost heap. All those sparklers, rockets, Catharine Wheels and Roman Candles have long since crashed, burned and fizzled out.

Over in the USA the Christmas shopping season kicks off on Black Friday, the fourth Friday in November, straight after Thanksgiving. The term 'Black Friday' may sound a bit ominous, with echoes of the Stock Market crash, but actually nothing could be further from the truth. It is in fact good news for business, and refers to a consumer bonanza designed to push retailers back into the black, after a lean time of spending restraint and being in the red. On Black Friday US retailers traditionally remain open for a full 24 hours and try to lure shoppers in with special deals and offers. It is one of the busiest shopping days in the American calendar; in 2007 135 million people were said (by Reuters) to have participated in the Black Friday shopping rush.

Here in my home town of Leeds in Yorkshire, the Christkindelmarkt (traditional German Christmas market) is setting out its gingerbread-inspired stalls, and the City Council is getting ready for the big switch on of the Christmas lights. Anything to get cash-strapped consumers to get into festive mood, put their hands in their pockets, and spend, spend, spend. In the post credit-crunch economic climate it may be more difficult than usual to get people to part with their hard-earned cash. In the UK the coalition government has been unleashing its plans for hard-hitting cuts to benefits and services, house-prices are stalled, and London is still clearing up the mess after thousands of angry British students hit the streets in a violent protest against higher university tuition fees.

When the going gets tough, the tough go shopping, or so they say. What plastic cards will the tough have in their wallets this Christmas? What are the card issuers doing to persuade reluctant shoppers back to the High Street? Who is Scrooge and who is Santa? Which ones are doing the most to win those crucial holiday-season sales? Here are my nominations.


* Amex's offering is the Daily Wish website. This website will be up and running from November 26 to December 16, offering lots of discounts and deals to Amex card holders. American Express's way of making Christmas spending last way beyond Black Friday.

* Citi: the 'Thank You Rewards Holiday Season Gift Card Sale' for all Citi card holders will be available from November 15 through to December 13.

* Tesco Clubcard MasterCard currently offers 13 months at 0% on new purchases: a good way to pay for all your Christmas shopping. Similar 0% deals are offered by Sainsbury's Credit Card and Barclaycard Platinum with Purchase, both of which are offering 0% on purchases for the first 12 months.


* 'Loaded for Christmas'- a prepayment Visa card offered by New Zealand Post and issued by Kiwibank. Designed to restrict consumers to spending only what they can actually afford. As with all prepay cards, you can only spend what you pre-load onto the card. Not activated until just before Christmas to prevent Christmas savings being frittered away! But to be fair there are special offers and a monthly prize draw - so a touch of Santa too.

* Vanquis. Typical 39.9% APR variable based on a typical credit limit of £250. Designed for people previously refused a credit card. Enough said.

About Author Charlotte Mooney :

Charlotte Mooney is an IT professional with many years experience, working for International IT Software Consultancy Proswift, a leading provider of credit system solutions to banks and finance houses across the world. Click here for lots more topical stories from the world of credit card processing, <a href="" target="_blank"></a> , and check out what ProSwift could do for you and your business - <a href="" target="_blank"></a>

Article Source:
Article Url:

Article Added on Sunday, November 14, 2010
Other Articles by Charlotte Mooney

Why are Credit Card Rates so high When the Base Rate is so Low
? Why are credit card rates so high when the base rate is so low? It has been widely reported in recent weeks that credit card interests rates have just hit a 13-year high. This may seem very unfair, especially when you look around at how interest rates in other areas are going. For savers, it's hard to find the ideal place to stash the cash these days, with building societies and banks offering top rates of only around a measly 2.9%. That's considerably lower than the 18.9% reported average...

A Christmas Warning Don t get Scammed by Store Card Fraudsters
Thinking of buying some Gift Cards as Christmas presents for your loved ones this year? Makes sense doesn't it? They are easy to pop in the post, do not require gift-wrapping, and allow the lucky recipient to choose something they actually want or need. Not to mention the peace of mind you will have, knowing that your gift is secure from theft and fraud. Or is it? Maybe you should think again. Thieves and fraudsters are nothing if not resourceful; they always have an eye for the main chance,...

How to Transform Your Webcam into a Card Reader
Hard on the heels of a whole rash of recent developments in payment systems technology including the Mobile Wallet and the Square comes a new, patent pending invention called Netswipe. Hyped as'another milestone in the history of online payment', Netswipe is a high-tech product which can transform your webcam into a card reader. Netswipe is the brainchild of a start-up company called Jumio, founded by Daniel Mattes of Jajah. Jumio's board of directors also includes none other than Facebook...

Card Payment Technology Update Mobile Card Processing
Mobile Card Processing is an emerging technology targeted at small businesses that traditionally would not be able to accept payments by credit or debit cards. Think about it: people like chiropodists, mobile hairdressers, babysitters, plumbers, taxi-drivers, trade-fair exhibitors: anyone who runs their business at multiple locations and for whom a cash register and a merchant terminal would be impractical. The idea is to harness the massive amount of processing power already lurking in...

Pre Paid Cards a Cost Effective Alternative for Foreign Exchange
? These have been around for a couple of years now, and are becoming increasingly popular, with new products hitting the market every week. Looking at, for example, you will find dozens of pre-paid cards to choose from. They are marketed as a cost-effective alternative to using credit and debit cards abroad and a way of avoiding excessive bank charges for foreign exchange. They are typically available as Dollar Cards, Euro Cards, Sterling Cards, as well as in many other...

Looking Backward When the Credit Card was Just Science Fiction
The credit card has been around, in one form or another, for most of the 20th Century. These days they are a ubiquitous and indispensable part of our lives that nearly all of us just take for granted. We use our plastic credit and debit cards all the time, not only in shops and restaurants, but over the phone and online, to book our holidays, buy tickets for concerts and events, and to make internet purchases. We expect every transaction to happen quickly and smoothly; we expect to be...

Credit Card Regulations What Regulations
Credit Card Regulations? What Regulations? Back in January I wrote a story, 'New Year, New Regulations' on the subject of anticipated legislation to tighten consumer credit regulation in the UK. What with all the excitement of a new government, the World Cup, and some real summer weather at long last, here in the UK at least the vexed issue of Credit Card Regulation seems to have taken a back seat. We are still waiting for the first move from our new coalition government on this front. I...

Contactless Cards the Next Big Thing
? 'Contactless Cards' has been a buzz-word in the card industry for the last couple of years, but how many people own one, and is anybody actually using them? Here in the UK they have been hyped by TV advertising, recently featuring in a high-profile commercial featuring a happy consumer effortlessly zooming down a water-chute, apparently having the time of his life, and empowered by his Contactless 'OnePulse' card which he merely flashes at retailers' reader machines to continue unfalteringly...

Frustrated PlayStation Enthusiasts are Hacked off by Security Breach and Network Closure
77 million Sony PlayStation subscribers have been warned that their credit card details and other confidential personal data may have been stolen by hackers, in what has been described as the largest identity theft on record. The cyber attack came to light on earlier this week, several days after Sony took the PlayStation Network (PSN) offline without any explanation. As millions of PlayStation enthusiasts all over the world became increasingly frustrated and angry about being denied access...

Desperate Housewives Pay the Mortgage with a Credit Card
Housing charity Shelter has disclosed that over 2 million desperate UK householders have resorted to paying their mortgage or rent with a credit card. A Shelter survey, conducted in August 2010, revealed that 6% of UK households had used plastic cards to meet housing costs and keep a roof over their heads. Working class people are the most likely to use their plastic cards in this way, but 4% of ABC1s also admitted resorting to a credit card to pay their mortgage. With more and more people...

Click here to see More Articles by Charlotte Mooney
Publishers / Webmasters
Article ID: 272051
DELINK URL from Authors Bio
REMOVE Article
Tell A Friend
Leave A Comment!
Download this article in PDF
Report Article!
Search through all the articles:

127 Users Online !
Related Articles:
Latest Articles:
Business And Finance >> Top 50 Articles on Business And Finance
Category - >
Advertising Advice Affiliate Programs Automobiles
Be Your Own Mentor Careers Communication Consumers
CopyWriting Crime Domain Names DoT com Entrepreneur Corner
Ebooks Ecommerce Education Email
Entertainment Environment Family Finance And Business
Food & Drink Gardening Health & Fitness Hobbies
Home Business Home Improvement Humour House Holds
Internet And Computers Kiddos and Teens Legal Matters Mail Order
Management Marketing Marriage MetaPhysical
Motivational MultiMedia Multi Level Marketing NewsLetters
Pets Psychology Religion Parenting
Politics Sales Science Search Engine Optimization
Site Promotion Sports Technology Travel
Web Development Web Hosting WeightLoss Women's Corner
Writing Miscellaneous Articles Real Estate Arts And Crafts

Disclaimer: The information presented and opinions expressed in the articles are those of the authors
and do not necessarily represent the views of and/or its owners.

Copyright AwareINDIA. All rights reserved || Privacy Policy || Terms Of Use || Author Guidelines || Free Articles
FAQs Link To Us || Submit An Article || Free Downloads|| Contact Us || Site Map  || Advertise with Us ||
Click here for Special webhosting packages for visitors of this website only!
Vastu Shastra

Virtual Linux Server Hosting Provided By AwareIndia

Company IDS